Jill Thacker
Loan Officer
| NMLS #373992
Branch NMLS #1772395
(702) 218-1702
jthacker@cmgfi.com
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Mortgage News Mortgage Insurance Refinance Market Updates First-Time Home Buyer Conventional Loan FHA Loan Purchase Home Design Selling Budget Financial Planning Loan Process Credit New Construction Home Maintenance Renovation Homeowners Insurance Investment Property VA Loan Down Payment Assistance Taxes All in One Loan Debt Management USDA Loan HELOC Loan Programs BuilderNo W-2 Forms? No Problem. We Can Still Help You Buy a Home!
Blog posted On June 15, 2023
If you don’t have W-2 forms and think all home buying hope is lost, think again. Though many types of home loans require them, we offer several unique non-QM programs that can help you buy a home without W-2s.
READ MORE5-Day HELOC: Get Fast Access to Your Home’s Equity in Just Five Days*
Blog posted On May 26, 2023
CMG Home Loans has revolutionized the borrowing experience with their new 5-Day home equity line of credit (HELOC), designed to provide homeowners with quick access to their home's equity. In this article, we'll delve into what sets CMG’s 5-Day HELOC apart from other options, the advantages of choosing a HELOC over other loan types, and the various ways a HELOC can benefit you. Let's explore how this innovative loan product can help you achieve your financial goals.
READ MOREYour Dream Home is Waiting. Make it a Reality with a 1x Close Construction Loan
Blog posted On May 17, 2023
Low housing inventory has left hopeful buyers with limited options. When it comes to finding a house you love in an inventory-starved market, it can feel like fitting a square peg in a round hole. Luckily, we have your perfect fit – with all the features, rooms, and perks you want. Your dream home is waiting. Make it a reality with our One-Time Close Construction Loan!
READ MOREThe Reverse Mortgage Advantage: What is a Reverse Mortgage and Who Can it Help?
Blog posted On March 23, 2023
Every year, retirement gets more and more expensive. There are several retirement solutions out there and a lot of misconceptions about each one. You may have heard the myths and the legends of a Reverse Mortgage, but do you really know what it’s all about? And why would you get one anyway?
READ MOREHow FHA Buyer’s Choice Can Help You Buy a Home with No Money Down
Blog posted On February 16, 2023
When it comes to buying a home with 0% down, USDA and VA have dominated the conversation. Now, we’ve brought FHA into the chat. Through our FHA Buyer’s Choice down payment assistance program, you can buy a home with an FHA Loan and pay little to no down payment or closing costs. Unlike USDA and VA Loans, this program is available to everyone – no locational, military, or first-time buyer requirements.
READ MOREHaven't Considered an ARM? It Could Be a Game Changer in This Market
Blog posted On January 26, 2023
Spring is just around the corner, but things are already starting to heat up. Yesterday, the Mortgage Bankers Association released its weekly mortgage application survey, which showed mortgage demand increased for the third consecutive week. Purchase application submissions jumped 3% to reach the highest level since August 2022. Buyers are likely taking advantage of the recent dip in mortgage rates over the past couple months. Though rates have been trending lower than they were in October, they’re still nearly double what were last spring. Considering jumping into the market? Here’s how you can try to get a potentially lower rate.
READ MOREYes, Your VA Loan Can Help Sell Your Home
Blog posted On January 05, 2023
Your VA Loan can do a lot more than help you buy a home. If you’re finding it hard to sell in the current market, you might want to remember that VA Loans are assumable. By letting buyers know that they can assume your VA Loan, you could sell faster and for a higher price.
READ MOREPros and Cons of HELOCs
Blog posted On December 22, 2022
HELOCs have been all the rage in 2022. Because of the flexibility of a home equity line of credit (HELOC), the number of new HELOCs jumped to more than 341,000 in the second quarter of 2022 — a 44% increase year-over-year, according to ATTOM. In the second quarter alone, homeowners tapped more than $66 billion in equity. Many buyers and owners have made the jump into HELOCs this year – for good reason. If you’re wondering if it’s right for you, here are some pros and cons to weigh out.
READ MORERent Payment Edge: Use Your Rent Payments to Qualify for a Mortgage
Blog posted On December 08, 2022
Have you been discouraged from applying for a mortgage due to your limited credit history? We are happy to introduce our Rent Payment Edge program that helps reward renters with a good payment history!
READ MOREThe Secret Hack to Lower Mortgage Rates
Blog posted On December 01, 2022
It would be hard to get a mortgage rate in the range we saw during the pandemic. But what if you could get something low by today’s standards? More and more buyers are taking advantage of programs that can help them save hundreds per month on their mortgage payment. In fact, sellers can benefit from these programs too.
READ MOREMore Home Buyers Turning to ARMs for Relief in the Current Market
Blog posted On October 27, 2022
Affordability has become an increasing issue for home buyers this year. Mortgage rates have more than doubled their levels in January. Home prices, though falling, are still high relative to the past few years. And many home buyers are being ‘priced out’ by their projected monthly mortgage payments. One solution, however, is becoming increasingly popular.
READ MOREHow a USDA Loan Can Help You Buy a Home with 0% Down
Blog posted On September 08, 2022
High home prices and rising mortgage rates are putting hopeful home buyers in a difficult position. Buy now and try to save money in other ways? Or keep renting to avoid the upfront costs of buying? It seems like an impossible decision, but there are other options. Buying a home doesn’t have to mean spending thousands of dollars in upfront costs alone. There are countless home loan programs that offer closing cost assistance, below-market interest rates, and 100% financing.
READ MORE5 Tips on Selling Your Home in a Shifting Market
Blog posted On September 07, 2022
The housing market is starting to look a lot different than it did at the beginning of the year. It’s shifting, and homes are no longer getting multiple offers over asking price before the agent can even get the sign in the yard. Are you looking to put your home up for sale soon? Below are five tips on how to sell your home faster in the current market.
READ MOREHow to Lower Your Interest Rate on an FHA or VA Loan
Blog posted On September 01, 2022
Housing affordability has become increasingly difficult in 2022 as home prices and mortgage rates have trended higher. Many buyers are eager to escape soaring rent prices but struggling to find affordable ways to buy a home. A couple of popular loan options for new buyers are FHA Loans and VA Loans. They’re generally easier to qualify for and offer more lenient underwriting requirements. Plus, you can now lower your monthly mortgage payments for up to three years with our temporary interest rate buydown for FHA and VA Loans.
READ MOREHow Your Rent Payments Can Help You Qualify for a Mortgage
Blog posted On July 21, 2022
One of the biggest obstacles for first-time home buyers is their limited credit history. Credit history is a big factor in the mortgage application process. However, we’re now offering an alternative solution for first-time buyers. With positive rent payment history, we can include your completed rent payments in the application process, which may help boost your overall credit assessment and allow you to qualify for a mortgage more easily.
READ MOREReverse Mortgages: How to Make the Best Use of Money in Retirement
Blog posted On July 07, 2022
As homeowners age, they begin to prepare for retirement. Most homeowners would prefer to be debt-free by retirement, but many still pay a mortgage. Reverse mortgages are one home financing option that is popular with homeowners who are 62 and older. But there are other options that can help you achieve a debt-free retirement.
READ MOREThe Mortgage Payment Buydown: The Secret Hack to Rising Mortgage Rates
Blog posted On June 23, 2022
Mortgage rates are trending higher, which will ultimately help stabilize the housing market in the long run. But that doesn’t make it any easier on your wallet right now. While a listing price reduction might help lower your monthly mortgage payments minimally, our Mortgage Payment Buydown Program can help you save more.
READ MOREWhat is an Adjustable-Rate Mortgage and How Can it Help You Save Money?
Blog posted On June 02, 2022
Not all mortgage rates are as high as you think. Typically, the 30-year fixed rate average is what most people notice when they see the current market rates. Most home buyers lock into a 30-year fixed-rate mortgage because of its consistency. But fixed-rate mortgages aren’t your only home financing option. In fact, they’re often pricier than some alternatives, like the adjustable-rate mortgage (ARM).
READ MORELock N Shop: How to Lock in Your Rate Before You Find Your Home
Blog posted On May 26, 2022
Have you ever made a decision before you feel ready? When it comes to a decision as big as a home, it’s important to find the right fit. Don’t let fluctuating mortgage rates pressure you into buying before you’ve found the right home. Instead, consider Lock N Shop.
READ MOREHow Our On-Time Closing Guarantee Can Help You Make the Winning Offer
Blog posted On May 19, 2022
In a busy housing market, each day counts. With our On-Time Close Guarantee, you can get a head start on your mortgage underwriting, get an on-time close guaranteed, and compete in a crowded market.
READ MOREHow Our PLS Helps Investment Property and Second Home Buyers
Blog posted On May 12, 2022
Effective May 2, 2022, we officially launched our own Private Label Security (PLS). Remember when the Federal Housing Finance Agency (FHFA) increased upfront fees on second home and high-balance loans? With our own PLS, we can now help you avoid these fees and offer you a much better price on your second home/ investment property loan.
READ MOREHow Reverse Mortgages Can Help Retired Homeowners or Buyers
Blog posted On May 05, 2022
You’ve spent years investing into your home and now it’s time to reap the rewards of your hard-earned equity. As you get older, you might be thinking about buying a home that better suits your lifestyle. But you also are probably thinking about your retirement funds.
READ MOREBenefits of Financing Your Home with a Jumbo Loan
Blog posted On April 21, 2022
A Jumbo Loan is a mortgage that exceeds the Fannie Mae and Freddie Mac conforming loan limits. With a larger loan limit than conventional mortgages, jumbo loans allow you to finance more expensive properties. But there are several other benefits that may be lesser known.
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